Tax services

Tax efficient investments

Make your money grow with tax efficient investments

Your business income isn’t the only way to make money. Making a tax efficient investment using government approved programs gives investors tax relief on the investments they make into pre-qualified companies or investment vehicles. From tax-free savings to pension contributions, we can help you to make the best choice for your financial future. Let our advisors guide you through the maze of ISAs, EISs and VCTs and make your money work harder for you.

Saving for a rainy day

Individual Savings Accounts allow you to save up to £20,000 (2020/21) in total across all of your ISAs, and the income and gains on the investment are tax free.

There are a variety of ISAs to choose from, including cash ISAs, stocks and shares ISAs, innovative finance ISAs and Lifetime ISAs.

  • Lifetime ISAs are only available for adults under the age of 40. You can contribute up to £4,000 (as part of the overall annual allowance of £20,000 for 2020/21) per annum and receive a 25% state bonus.
  • The Help to Save ISA scheme is only available to low income households and is intended to facilitate savings of up to £4,000 a year.
  • Junior ISAs can be opened and paid into on behalf of children under 18.

We will advise you on the best place to put your money to enable it to grow, whether your goal is saving to buy a property, to pay school fees or simply to build a rainy day fund.

Invest in your future

Both the Enterprise investment scheme (EIS) and venture capital trusts (VCTs) allow ongoing tax relief on investments that are channelled into share capital for smaller and growing businesses. With Seed EIS (SEIS) you could receive income tax relief of up to 50% of the cost of the shares.

If you’re interested in investing in shares as a tax-efficient way to grow your money, we will help you to make the right choice for you and your money.

Plan for a happy retirement

Pension contributions are a very tax-efficient way to invest your money and prepare financially for your retirement. We will help you to choose the best available option for your pension savings, reviewing your existing pension pots and giving you peace of mind that your golden years will be spent enjoying life rather than worrying about your finances.

Talk to us about how tax efficient investments can work for you

If you’d like to know more, our advisors are more than happy to discuss the options with you. We’ll be sure to find the perfect investment opportunity for you.

Get in touch with us today to start the conversation, call us on 0114 274 7576 and speak to our Director of Tax, Alex, or email

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